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$500 - $4,000. Quick Decisions. Terms up to 18 months!

No Credit Check Loans

Apply Now
Applying does NOT affect your FICO® credit score!2
$500 - $4,000. Quick Decisions. Terms up to 18 months!

No Credit Check Loans

Apply Now
Applying does NOT affect your FICO® credit score!2

What is a No Credit Check Loan?

A no FICO credit check loan is typically a type of loan in which a lender determines the “creditworthiness” of a potential borrower without conducting a hard FICO credit check.

This can be appealing to potential borrowers who are concerned about the condition of their bad credit or credit history. A “no credit check loan” may seem like a good fast cash option but there are always risks. Educating yourself is the best way to make the right borrowing decision for you.

How do No Credit Check Loans work?

So how can you borrow money without a credit check? You might find yourself considering a no FICO credit check loan. A no credit check loan could be one of several different products, and some are better than others, so you’ll want to do your research before signing any contract.

OppLoans offers short term personal loans with no hard  credit checks by assessing a borrower’s creditworthiness by looking at:

  • employment status
  • income details
  • bank account
  • financial history

How does it work?


Fill out our fast and easy online application in minutes!

Verify Income

Securely connect your bank account.

Review Agreement

Review and accept your loan's repayment agreement.

Get a Decision

You will be provided a decision quickly! If approved, you may be funded as soon as the next business day!1


What will my interest rate be?

The maximum APR for a loan offered through and serviced by OppLoans is 160% APR. Products offered through OppLoans have different rates and terms depending on the state where you live.

You can see a state-by-state breakdown of loan rates and terms here.

How is this different than payday loans5?

Payday loans are short term, high cost loans. OppLoans installment loans come with longer terms, lower rates, and higher principals.

Here’s a quick snapshot to explain the differences:

OppLoans4Payday Loans5
Loan amount$500 – $4,000$100 – $1,000
APR160% in most states400%
TermUp to 18 months in most states14 days
Ability to build credit history6X

How fast will I get my money?

If you submit your loan application and it is processed and approved before 8:00 p.m. CT Monday-Friday are typically funded the next business day1.

© 2021 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use and Privacy Policy.

California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners . All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

4Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 199%. Installment loan lengths range from 6 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $395.58 Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

5According to the Consumer Federation America, a non-profit consumer advocacy group, payday loans range in size from $100 to $1,000, depending on state legal maximums, and carry an average annual percentage rate (APR) of 400%. The maximum APR for a loan offered through and serviced by OppLoans is 160% and loan sizes range from $500 to $4,000.

6OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score. Credit reporting not available for Texas customers.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at 855-408-5000, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.